| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 4456 CORPORATION LANE SUITE 350 VIRGINIA BEACH, VA 23462 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | — | $11K | 4.03% |
| LIFETIME FINANCIAL GROWTH3 Filed as: LIFETIME FINANCIAL GROWTH BENEFITS | 815 GRANDVIEW AVENUE #200 COLUMBUS, OH 43215 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 1.26% |
| LIFETIME FINANCIAL GROWTH3 Filed as: LIFETIME FINANCIAL GROWTH BENEFITS | 815 GRANDVIEW AVENUE #200 COLUMBUS, OH 43215 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $17K | — | $17K | 11.93% |
| USI INSURANCE SERVICES LLC3 | 4456 CORPORATION LANE SUITE 350 VIRGINIA BEACH, VA 23462 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | — | $12K | 8.88% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R NELLIGAN & ASSOC LLC | 1933 STATE ROUTE 35 SUITE 368 WALL TOWNSHIP, NJ 07719 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $6K | $6K | 4.19% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSONE INS & FNCL SVCS LLC | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 1.21% |
| LIFETIME FINANCIAL GROWTH3 Filed as: LIFETIME FINANCIAL GROWTH BENEFITS | 815 GRANDVIEW AVENUE #200 COLUMBUS, OH 43215 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | — | $11K | 11.98% |
| USI INSURANCE SERVICES LLC3 | 4456 CORPORATION LANE SUITE 350 VIRGINIA BEACH, VA 23462 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | — | $8K | 8.82% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R NELLIGAN & ASSOC LLC | 1933 STATE ROUTE 35 SUITE 368 WALL TOWNSHIP, NJ 07719 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 4.24% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSONE INS & FNCL SVCS LLC | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 1.20% |
| LIFETIME FINANCIAL GROWTH3 Filed as: LIFETIME FINANCIAL GROWTH BENEFITS | 815 GRANDVIEW AVENUE #200 COLUMBUS, OH 43215 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | — | $8K | 12.21% |
| USI INSURANCE SERVICES LLC3 | 4456 CORPORATION LANE SUITE 350 VIRGINIA BEACH, VA 23462 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 7.79% |
| THE WORKSITE GROUP LLC3 | 1900 POLARIS PARKWAY SUITE 450 COLUMBUS, OH 43240 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 9.14% |
| LIFETIME FINANCIAL GROWTH3 Filed as: LIFETIME FINANCIAL GROWTH BENEFITS | 815 GRANDVIEW AVENUE #200 COLUMBUS, OH 43215 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 8.95% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURABCE SERVICES LLC | 4456 CORPORATION LANE SUITE 350 VIRGINIA BEACH, VA 23462 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 5.60% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R NELLIGAN & ASSOC LLC | 1933 STATE ROUTE 35 SUITE 368 WALL TOWNSHIP, NJ 07719 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $453 | $2K | 4.00% |
| LIFETIME FINANCIAL GROWTH3 Filed as: LIFETIME FINANCIAL GROWTH BENEFITS | 815 GRANDVIEW AVENUE #200 COLUMBUS, OH 43215 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 9.87% |
| USI INSURANCE SERVICES LLC3 | 4456 CORPORATION LANE SUITE 350 VIRGINIA BEACH, VA 23462 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 5.83% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R NELLIGAN & ASSOC LLC | 1933 STATE ROUTE 35 SUITE 368 WALL TOWNSHIP, NJ 07719 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $745 | $2K | 4.64% |
| THE WORKSITE GROUP LLC3 | 1900 POLARIS PARKWAY SUITE 450 COLUMBUS, OH 43240 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $509 | — | $509 | 1.01% |
| THE WORKSITE GROUP LLC3 | 1900 POLARIS PARKWAY SUITE 450 COLUMBUS, OH 43240 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 10.83% |
| LIFETIME FINANCIAL GROWTH3 Filed as: LIFETIME FINANCIAL GROWTH BENEFITS | 815 GRANDVIEW AVENUE #200 COLUMBUS, OH 43215 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 10.63% |
| USI INSURANCE SERVICES LLC3 | 4456 CORPORATION LANE SUITE 350 VIRGINIA BEACH, VA 23462 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 7.02% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R NELLIGAN & ASSOC LLC | 1933 STATE ROUTE 35 SUITE 368 WALL TOWNSHIP, NJ 07719 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $381 | $2K | 4.09% |
| STRUCTURE EMP. BENEFITS OF OH3 | 815 GRANDVIEW AVENUE SUITE 200 COLUMBUS, OH 43215 | VISION SERVICE PLAN | $1K | — | $1K | 2.72% |
| LIFETIME FINANCIAL GROWTH3 Filed as: LIFETIME FINANCIAL GROWTH BENEFITS | 815 GRANDVIEW AVENUE #200 COLUMBUS, OH 43215 | VISION SERVICE PLAN | $725 | — | $725 | 1.90% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | VISION SERVICE PLAN | $720 | — | $720 | 1.89% |
| LIFETIME FINANCIAL GROWTH3 Filed as: LIFETIME FINANCIAL GROWTH BENEFITS | 815 GRANDVIEW AVENUE #200 COLUMBUS, OH 43215 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 6.12% |
| USI INSURANCE SERVICES LLC3 | 4456 CORPORATION LANE SUITE 350 VIRGINIA BEACH, VA 23462 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $826 | — | $826 | 3.88% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 595 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 597 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 428 | $277K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 250 | $59K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 599 | $156K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 557 | $138K |
| Other(6 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 599 | $318K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 599 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.